I consent to being contacted by GetCreditScore, SocietyOne and the Veda Group and for them to use and disclose my personal information for business and marketing purposes. I can opt-out of direct marketing by any of the above entities by contacting that entity at any time.

By clicking 'Get My Score Now', I authorise GetCreditScore Pty Limited (GetCreditScore) to obtain my credit score from Veda Advantage Information Services and Solutions Pty Limited (Veda). I acknowledge and accept GetCreditScore’s Privacy Policy and Terms of Use.I consent to being contacted by GetCreditScore, SocietyOne Australia Pty Limited, Veda and their related entities and for them to use and disclose my personal information for business and marketing purposes. I can opt-out of direct marketing by any of the above entities by contacting the entities at any time.

Safe & Secure

We connect directly to Veda, Australia’s leading credit bureau, to check your identity and ensure only you can access your score.

Won't affect your credit report

Accessing your score using this service will not ding your credit file.

Fast and totally free!

Get your score in 60 seconds, no credit card required.

"Knowing my credit score gave me the confidence to negotiate when applying for a loan."

Jacqueline, NSW

Retrieving your score now - this may take up to 1 minute.

What is a credit score?

Your credit score is a number calculated from information in your credit report at a point in time. GetCreditScore features the VedaScore, provided by Veda, Australia`s leading credit bureau.

In Australia, a credit score is used by creditors like banks and utility companies. For example your score could help lenders determine whether you can borrow, how much you can borrow, and at what rates. We believe this information should be available to you as well.

Understanding your credit score

GetCreditScore features the VedaScore, which is used by hundreds of lenders and credit providers in Australia. The score is dynamic and changes over time. For example if you make an application for credit with a lender, your score may change depending on the nature of the loan and the amount of the loan.

A VedaScore falls in a range between 0 and 1200. The higher your VedaScore, the better your credit profile and the better you may appear to credit providers. Below are the Veda rankings to help you understand your relative position and credit strength against other Australians.

833-1200EXCELLENT
You’re in the top 20% of Veda’s credit-active population, suggesting
it’s HIGHLY UNLIKELY that an adverse event could harm your
credit report in the next 12 months. Your odds of keeping a clean file are 5 times
better than Veda’s average population.

What`s next?

Get more out of your score by negotiating better deal on your loans.

Seek out the best deal using your excellent credit score.

See if you're eligible for greater rewards, lower rates and lower fees.

726-832VERY GOOD
Your VedaScore suggests it's UNLIKELY that you will incur an
adverse event in the next 12 months that could harm your credit report. Your odds of keeping
a clean credit report are 2 times better than Veda's average credit-active population.

What`s next?

Put your score to work and use it to negotiate a better deal on your loans.

Refinance and consolidate more expensive debt.

Get a better rate on personal credit; negotiate rewards and lower fees.

622-725GOOD
Your VedaScore suggests it's LESS LIKELY you will incur an
adverse event that could harm your credit report in the next 12 months. Your odds of keeping
a clean credit report over this period are better than Veda's average credit-active
population.

What`s next?

Consolidate expensive debt into a low-interest loan with fixed repayments.

Check your credit report regularly to monitor where you stand.

Use your score to get better rates on unsecured debt, including credit cards.

510-621AVERAGE
If your VedaScore is between 510 to 621, your credit score range is Average. Your
VedaScore would suggest it's LIKELY that you will incur an adverse event
such as a default, bankruptcy or court judgment in the next 12 months.

What`s next?

Pay your loans and bills on time. Use direct debits on payday. Work out payment
plans with credit providers.

Avoid making many applications in a short period of time.

Review your credit report for free as soon as you're denied credit.

0-509BELOW AVERAGE
If your credit score is Below Average, you're in the bottom 20% of Veda's credit-active
population, suggesting it's MORE LIKELY that you will incur an
adverse event such as a default, bankruptcy or court judgment in the next 12 months.

What`s next?

Request and review your credit report.

If there are inaccuracies, contact the credit provider or credit reporting body
to correct them.

If you're in hardship, seek out a financial advisor or work out a payment plan with
credit providers.

Myths vs. Facts

Increasingly, financial services providers, telcos and even utility companies that
access your credit report are also requesting your credit score. Banks, lenders
and other credit providers may take this score into account when deciding whether
or not to extend you credit.

Myths vs. Facts

Your score relates to your creditworthiness, based on specific information held
in your credit report at a given point in time. Different institutions may
use different scoring methodologies. The VedaScore is a score from 0 to 1200 –
the higher your score, the better your creditworthiness is likely to be.

Myths vs. Facts

Knowledge is power and proactively managing your credit is a good way to stay on
top of your financial position. You may have to improve your score, which can be
useful before you apply for credit.

Myths vs. Facts

Myths vs. Facts

Increasingly, financial services providers, telcos and even utility companies that
access your credit report are also requesting your credit score. Banks, lenders
and other credit providers may take this score into account when deciding whether
or not to extend you credit.

About us

GetCreditScore.com.au is a destination where you can check your credit score, absolutely free.

We're a consumer-friendly company looking to help more Australians learn about their credit. Getcreditscore.com.au uses VedaScore, the credit score developed by Australia's local and leading credit bureau Veda.

FAQs

We’re here to help! If you don’t see the answers you’re looking
for in the frequently asked questions below, please contact us.

What is a Credit Score? What is a VedaScore?

Your credit score is a number that represents the information contained in your
credit report. It attempts to give creditors an idea of how financially responsible
you are. GetCreditScore features the VedaScore provided by Veda and used by hundreds
of lenders and credit providers in Australia. Your VedaScore is a credit rating
between 0 and 1200 summarising the information in your credit report into one easy
to understand number.

How do I find out more about my VedaScore?

To find out more information about your VedaScore and the items on your credit report
that contributed to it, get in touch with Veda.

What if I don't agree with my VedaScore?

If you don't agree with your VedaScore, it may be because the information on your credit
report is inaccurate. You have the right to have it corrected. If you think that
there is a mistake, you should contact the Veda Resolution Centre.

Why don't I have a VedaScore?

There could be several reasons why we may be unable to return your VedaScore. It
may mean that you don't have an active credit report in the Veda database or it may
simply mean that you have insufficient information on your credit report.

Who is Veda?

Veda operates the leading credit bureau in Australia and has been the trusted custodian of Australians' credit histories for over 47 years. Veda offers the most comprehensive and current data source for more than 16 million active consumer credit files. A VedaScore provides the most complete picture of a person's creditworthiness and has been used by the vast majority of credit providers for almost two decades.

Are all credit scores from different bureaus the same?

Different lenders and credit reporting bodies have different scores based on their own information and calculations. The score is only as good as the data it draws on. A score based on minimal data can lead to the wrong credit decision being made.
GetCreditScore uses the industry leading VedaScore based on the most comprehensive and current data source in Australia of more than 16 million active consumer credit files. VedaScore provides the most complete picture of a person’s credit worthiness and has been used by the vast majority of credit providers for almost two decades.
GetCreditScore now provides this score to consumers.

What is Access Seeker?

Under amendments to the Privacy Act 1988 which came into effect in March 2014, organisations
acting on your behalf to retrieve your credit information are known as Access Seekers.
As an Access Seeker, GetCreditScore can make a credit enquiry on your behalf, without
impacting your credit score negatively. This enquiry is recorded as a File Access
and is only disclosed to Access Seekers and yourself.

What does 'Soft Touch' mean?

'Soft Touch' is an approach by which GetCreditScore acts on your behalf to request
your credit score, without negatively impacting your credit report. The request
will be noted on your credit report as a File Access. Typically when you apply for
credit, your credit report is checked, leaving a hard enquiry on your report. The
number of hard credit enquiries in your report is one of the different contributing
factors that could adversely impact your credit report and your credit score. A
File Access is a record of access made by Veda. It can only be seen by you and Veda,
with no impact on your creditworthiness.

How often can I access my VedaScore using the GetCreditScore service?

The service allows you to request your VedaScore twice in one month. You can do this every month until we start providing you with monthly updates.

Why do you need my personal details and driver's licence?

The information we request helps us identify you and also get the most accurate
match for you in Veda's database. That means that by combining your name and driver's
licence number, for example, we have a much higher probability of getting an exact
match for you than by using other parameters.

What if I don't have a driver's licence?

If you don't have a driver's licence, GetCreditScore will
not be able to confirm your identification and retrieve your VedaScore.

Do you keep my personal details?

GetCreditScore provides you with a free credit score in return for the right to store your personal details and make those personal details available to SocietyOne and Veda with your consent. Your details are never shared with any other third party without your consent.

Will my personal details be shared or used for direct marketing purposes?

GetCreditScore is a free service provided by Veda and SocietyOne. When you make a request for your credit score, SocietyOne and Veda may access your personal details to provide you with relevant offers. You may opt out of direct marketing from each entity at any time.

How can I opt out of direct marketing?

You can opt-out of direct marketing by clicking the unsubscribe link in any emails you receive from GetCreditScore or by contacting us directly. If you opt-out of direct marketing, we may still contact you via email for administrative purposes or on your request.
To unsubscribe from SocietyOne or Veda please contact each entity directly.

Comprehensive credit reporting is an opt-in system and information such as account open and close dates, credit limit, account type and repayment history, is only included in credit reports if it's supplied by credit providers.

Can I get my credit report?

This service does not assist you to obtain your credit report. You need to request your credit report directly from Veda. You are legally entitled to obtain a copy of your credit report for free, delivered in 10 days, in the following circumstances:

once every 12 months

if you have been declined on a credit application, you have the right to access

your credit report free during the 90 days following the date you were declined if your request relates to verifying that information has been corrected on your credit report.

What is an adverse event?

An adverse event is considered to be a default, court judgement or writ, bankruptcy or personal insolvency.

Why do credit enquiries affect my credit report?

When you apply for credit or a service, the relevant credit provider may check your credit report, leaving an enquiry on your report. Credit enquiries affect your credit score. A relatively high number of enquiries within a short period of time could adversely affect your ability to get credit. As an Access Seeker, GetCreditScore acts on your behalf through a Soft Touch credit enquiry, with no negative impact on your credit report or your credit score.

Who can access my credit report?

Under the Privacy Act 1988, credit reporting bodies can disclose information contained in your credit report to organisations such as credit providers, mortgage insurers, trade insurers and agents of credit providers (authorised agents). You also have the right to access your credit information and can appoint someone acting on your behalf to obtain the information. Where you, or your authorised person, access the information, they are known as Access Seekers and their enquiries don't impact your credit report. Hard enquiries from authorised agents acting on behalf of credit providers however, will be noted on your credit report and are disclosed to other credit providers.

What is a credit provider?

A credit provider is defined in the Privacy Act 1988. A credit provider can be:

A bank, building society or credit union

An organisation or small business, of which a substantial part of their business or undertaking is the provision of credit

An organisation or small business that has a retail business and as part of this business issues credit cards

An agency, organisation or small business operator that carries on a business that involves providing credit and that is prescribed by regulations

An organisation that supplies goods or services and allows customers 7 days or more to pay.

Typical credit providers include banks and financial institutions, pay day lenders, phone companies and internet service providers, electricity and gas companies, hire-purchase companies (e.g. Radio Rentals). Credit includes retail with store finance or cards (often underwritten by a financial institution).

Why is my score negative?

A VedaScore ranges from 0 to 1200, however there are special circumstances where no score or a negative number could be generated because of:

Bankruptcy

Personal Insolvency Agreement

Debt Agreement

Discharged Bankruptcy

Discharged Personal Insolvency Agreement

Discharged Debt Agreement

If you have not received a score or your score is negative it is a good idea to get a copy of your Veda credit report. Your credit report can help you understand the information behind your VedaScore. You can get a copy of your credit report here.